Have you ever cancelled a trip and forfeited your deposits?

I gladly pay my cancellation fees and think they should be higher at Florida state parks. You have to reserve in some cases 11 months out to get a site and then when you get there you find many sites sitting empty that some family could be enjoying. I think many people make reservations in case they they decide to go or as some on here have said make several for same time because not sure where they want to stay. If you have a true emergency in your life then reservation fees are the last thing on your mind.